Casualty & LiabilityQuestion 83 of 215
A customer slips and falls in a grocery store. The CGL Medical Payments (Coverage C) section will respond:
a.Only if the customer first proves the store was negligent
b.Without regard to the insured's legal liability, up to the per-person Coverage C limit
c.Only after the customer signs a release of liability
d.Only if the injury occurred more than 30 days after the policy began
Explanation
Coverage C – Medical Payments is a no-fault, good-will coverage. It pays reasonable medical expenses for bodily injury caused by an accident on the insured's premises or operations, regardless of whether the insured was legally at fault. Limits are typically small ($5,000 to $10,000 per person). It is intended to discourage small claims from escalating into lawsuits under Coverage A.
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